SR-22 Insurance in Indiana: What Is It? How Much Does It Cost?
An SR-22 in Indiana is a certificate that is required for drivers after a serious driving violation as proof of insurance to get back a suspended license.
Find Cheap SR-22 Auto Insurance Quotes in Indiana
Your insurance company will file the certificate on your behalf, which is typically a one-time cost of about $50.
An insurance policy with an SR-22 in Indiana usually costs more than a standard car insurance policy. But the SR-22 filing itself doesn't generally raise the cost of car insurance much. The increased cost is usually due to the driving violation that caused you to need an SR-22.
Cheap SR-22 insurance in Indiana
State Farm, Progressive and Auto-Owners offer the cheapest rates for SR-22 insurance in Indiana.
The only real cost associated with SR-22 insurance is the fee to file the form, usually between $15 and $50. However, SR-22 insurance costs more than a regular policy because drivers with tickets on their record are more likely to cause an accident in the future, making them more expensive to insure.
Cheapest minimum coverage SR-22 insurance in Indiana
SR-22 with DUI
SR-22 with racing
SR-22 with reckless driving
SR-22 with vehicular manslaughter
Find Cheap SR-22 Auto Insurance Quotes in Indiana
Progressive has the cheapest SR-22 insurance in Indiana after a DUI, at $55 per month for minimum coverage. Drivers can also save money by comparing quotes from State Farm, Travelers, American Family and Auto-Owners, which are all cheaper than average.
Minimum coverage SR-22 rates after a DUI ticket
Company | Monthly rate | |
|---|---|---|
| Progressive | $55 |
| State Farm | $57 |
| Travelers | $72 |
| American Family | $73 |
| Auto-Owners | $83 |
*USAA is only available to military members, veterans and their families.
SR-22 with DUI
Find Cheap SR-22 Auto Insurance Quotes in Indiana
Progressive has the cheapest SR-22 insurance in Indiana after a DUI, at $55 per month for minimum coverage. Drivers can also save money by comparing quotes from State Farm, Travelers, American Family and Auto-Owners, which are all cheaper than average.
Minimum coverage SR-22 rates after a DUI ticket
Company | Monthly rate | |
|---|---|---|
|
| Progressive | $55 |
|
| State Farm | $57 |
|
| Travelers | $72 |
|
| American Family | $73 |
|
| Auto-Owners | $83 |
*USAA is only available to military members, veterans and their families.
SR-22 with racing
Find Cheap SR-22 Auto Insurance Quotes in Indiana
Auto-Owners offers the cheapest SR-22 insurance in Indiana for drivers who have been caught racing. A minimum-coverage SR-22 policy from Auto-Owners costs $33 per month less than average.
Minimum coverage SR-22 rates after a racing ticket
Company | Monthly rate | |
|---|---|---|
|
| Auto-Owners | $51 |
|
| State Farm | $57 |
|
| Travelers | $72 |
|
| Progressive | $76 |
| Farm Bureau | $87 |
*USAA is only available to military members, veterans and their families.
SR-22 with reckless driving
Find Cheap SR-22 Auto Insurance Quotes in Indiana
Minimum-coverage SR-22 insurance costs an average of $86 per month for drivers with a ticket for reckless driving. State Farm has the cheapest SR-22 rates with a reckless driving ticket — $57 per month for minimum coverage. These drivers should also compare quotes from Travelers, Progressive and Auto-Owners, which all offer rates that are cheaper than average.
Minimum coverage SR-22 rates after a reckless driving ticket
Company | Monthly rate | |
|---|---|---|
|
| State Farm | $57 |
|
| Travelers | $72 |
|
| Progressive | $76 |
|
| Auto-Owners | $83 |
|
| Farm Bureau | $87 |
*USAA is only available to military members, veterans and their families.
SR-22 with vehicular manslaughter
Indiana drivers with a vehicular manslaughter conviction may have a hard time finding cheap insurance. A minimum-coverage SR-22 policy from State Farm costs $57 per month for these drivers, which is the cheapest rate in Indiana. Travelers, Progressive and Auto-Owners all have cheaper-than-average rates for minimum-coverage SR-22 insurance in Indiana.
Minimum coverage SR-22 rates with vehicular manslaughter conviction
Company | Monthly rate | |
|---|---|---|
|
| State Farm | $57 |
|
| Travelers | $72 |
|
| Progressive | $76 |
|
| Auto-Owners | $83 |
|
| Farm Bureau | $87 |
*USAA is only available to military members, veterans and their families.
To find cheap SR-22 insurance in Indiana, we recommend comparing quotes from several insurance companies. Companies assess risk and determine price using different methods, so getting multiple quotes is the easiest way to find cheap insurance.
You can also lower your car insurance rate through discounts. For example, you could save money if you've taken a defensive driving course or you sign up for automatic payments.
What is SR-22 insurance in Indiana, and when is it required?
An SR-22 certificate is a form that your insurance company submits to the state insurance office to provide proof that your policy meets the minimum coverage required by Indiana law.
Indiana's minimum liability car insurance coverage requirements are:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured motorist bodily injury liability: $50,000 per accident
Who needs SR-22 insurance in Indiana?
There are a number of reasons you may need SR-22 insurance. Some of the most common are:
- Failure to pay for insurance
- Reckless driving
- Vehicular manslaughter
- DUI
- Drag racing
- You are convicted of offenses that lead to driver's license suspension
- You are convicted of insurance violations
If you are from another state, you still have to keep your SR-22 if you are driving in Indiana.
Indiana non-owner SR-22 insurance
Drivers who don't own a car but are working toward getting their license reinstated need a non-owner auto insurance policy. This type of policy protects you when driving a car you don't own.
Non-owner policies are typically less expensive than other SR-22 policies while still meeting the necessary legal requirements.
How to get an SR-22 in Indiana
To get SR-22 insurance in Indiana, you will need to take a few key steps.
Find an authorized insurance company. Not all companies provide SR-22 insurance. Start by calling your current company to see if they offer SR-22 insurance. If not, you may need to find a new company that can file the SR-22 form on your behalf.
File the SR-22 form and pay the fee. To get your driving privileges reinstated, your insurance company will need to file the SR-22 form electronically with the Indiana Bureau of Motor Vehicles (BMV). Your company will likely charge a flat fee between $15 and $50 to file your SR-22 certificate.
Get confirmation. After processing the SR-22 form, both the Indiana BMV and your insurance company should send you a letter confirming your insurance coverage and that you can drive legally.
If the state of Indiana requires you to have SR-22 insurance coverage and you live out of state, you can submit an Out of State Residency Affidavit to waive your SR-22 requirement.
If you move back to Indiana before the end of your SR-22 requirement period, you must have proof of insurance coverage and file an SR-22 certificate.
How long is SR-22 insurance coverage required in Indiana?
The length of time you'll be required to have SR-22 insurance in Indiana depends on the reason you're required to file the SR-22.
Letting your SR-22 coverage lapse can result in lost driving privileges, reinstatement fees and higher auto insurance rates.
To avoid a coverage lapse, you should try to renew your policy early — at least 30 days in advance — while you're required to carry SR-22 insurance. Insurance companies will notify the Indiana BMV if you cancel or do not renew your SR-22 policy.
Once you've had SR-22 insurance for the required period, contact the Indiana BMV to make sure that your requirement is complete before you switch to a standard car insurance policy.
Frequently asked questions
How much is SR-22 insurance in Indiana?
The cost of SR-22 insurance in Indiana depends on the incident that caused you to need an SR-22. Minimum-coverage SR-22 insurance costs $83 per month for an Indiana driver with a DUI, on average. In comparison, a driver convicted of reckless driving can expect to pay $86 per month for the same coverage.
How long do you have to have SR-22 insurance in Indiana?
The amount of time you're required to have SR-22 insurance depends on the reason you need it. Drivers who have their license suspended need SR-22 insurance for three years after their license is reinstated. If you failed to provide proof of insurance to the Indiana BMV, you're required to have an SR-22 filing for 180 days.
What does an SR-22 cover in Indiana?
SR-22 insurance refers to a certificate that your insurance company needs to file with the Indiana BMV to prove you have insurance coverage after a serious traffic ticket. Your policy must have the minimum amount of coverage required in Indiana, which includes $25,000 of bodily injury liability coverage per person and $50,000 per accident, $25,000 of personal property liability per accident and $50,000 of uninsured motorist bodily injury liability coverage. However, you can get more coverage if you need it.
How do I get a SR-22 in Indiana?
To get an SR-22 policy in Indiana, you'll need to find an insurance company that offers SR-22 coverage, buy a policy and pay the SR-22 fee, which is usually between $15 to $50. Your insurance company will file your SR-22 certificate with the Indiana BMV as proof that you have an insurance policy.
Who has the cheapest SR-22 insurance in Indiana?
State Farm, Progressive and Auto-Owners offer the cheapest SR-22 insurance for most drivers in Indiana. The cheapest company for you depends on the driving infraction that caused you to need an SR-22.
Who has the cheapest SR-22 insurance in Indianapolis?
Progressive has the cheapest SR-22 insurance for drivers with a DUI in Indianapolis. A minimum-coverage policy from Progressive costs $64 per month, on average. That's 30% cheaper than the average in Indianapolis, which is $92 per month.
Methodology
To determine SR-22 insurance rates in Indiana, we gathered quotes from the largest insurance companies in the state across every residential ZIP code. Rates are for a 30-year-old man with a good credit score who drives a 2015 Honda Civic EX.
Quotes are based on a policy with the minimum coverage limits required by Indiana law.
Coverage | Limit |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured motorist bodily injury liability | $50,000 per accident |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.